199 Hardwick Farms RoadEast HardwickVT05836
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 199 Hardwick Farms Road, East Hardwick, VT, 05836 in East Hardwick speaks for itself: 10.71% gross on a $390,000 price, generating $3,481/mo in rent and $887/mo in net income after the $1,754/mo debt service. DSCR 1.98, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $10,639 stacks alongside $107,750 in projected five-year appreciation and $3,592/yr in principal reduction. Projected total cumulative return: $205,730.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.7% | 6.2% |
| Monthly Cash Flow | $887 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $3,481 |
| Total Monthly Debt Service | $2,439 |
| DSCR Ratio | 1.43x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, book time with your loan officer →
Estimates assume 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1998
4.73 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05836, East Hardwick, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 629 (100%) |
| Owner Occupied HU | 398 (63.3%) |
| Renter Occupied HU | 93 (14.8%) |
| Vacant Housing Units | 138 (21.9%) |
| Median Home Value | $221,429 |
| Average Home Value | $291,872 |
Housing Distribution
Address Breakdown
Residential
427
Single Family
427
Multi-Family
0
Businesses
25
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Ziffy AI Summary
A quick, investor-focused snapshot highlighting income strength, yield potential.
| Key metrics | Value |
|---|---|
| Price | $399,900 |
| Est. Rent | $3,200/mo |
| ROI | 18% |
- Attractive rent-to-price ratio for income stability
- Good fit for DSCR financing with healthy coverage
Single Family
Built in 1998
4.73 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05836, East Hardwick, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 629 (100%) |
| Owner Occupied HU | 398 (63.3%) |
| Renter Occupied HU | 93 (14.8%) |
| Vacant Housing Units | 138 (21.9%) |
| Median Home Value | $221,429 |
| Average Home Value | $291,872 |
Housing Distribution
Address Breakdown
Residential
427
Single Family
427
Multi-Family
0
Businesses
25
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Ajay D Warner • Century 21 Farm & Forest/Burke
Mls Name: PrimeMLS
Mls ID: #5069822